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The Store Card Credit Builder could be a good way to rebuild your credit. Just make sure that your payment information is up to date and all your bills are always paid on time. You may want to take special care to make sure that your payments for this card go through, because Synchrony, the issuing bank, has a reputation for having some issues with payments.

The information related to Amazon Business American Express Card and Amazon Business Prime American Express Card have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

Our rating
Min. credit level: Limited Credit History
Annual Fee: $0
Regular APR: 27.74% Variable Store Card Credit Builder

Our rating
Limited Credit History Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features


  • 5% back at Amazon (Amazon Prime cardholders only)
Introductory Bonus
  • $10 gift card upon approval

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $38
Returned Payment Fee See Terms
Additional Cards Annual Fee N/A
Foreign Transaction Fee N/A
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges Store Card Credit Builder


  • 5% cash back at Amazon for Amazon Prime members when declining special financing
  • Special no interest financing deals from 6 months to 24 months for eligible purchases
  • Equal Pay offers for eligible merchandise of $300 and more
  • $10 Amazon gift card when approved
  • Secured credit card: security deposit of at least $100 required
  • Potential to upgrade to an unsecured card
  • No annual fee


Synchrony has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-866-634-8379 or

Try a different phone number
See all Issuer Cards

The Store Card Credit Builder is a secured credit card, designed to help you improve your credit scores. But other than that it’s just like the regular Store Card (Review).

You can’t apply for this Amazon credit card directly. Instead you must apply for the unsecured Store Card — and if you don’t qualify for that card, then Synchrony, the card issuer, will automatically consider you for the secured version.

If approved for the Store Card Credit Builder, you’ll need to provide a security deposit of at least $100. Your credit limit will be equal to the amount you deposit. To make your security deposit you can visit

Cardholders with Amazon Prime memberships will automatically be given the Amazon Prime Store Card Credit Builder card, which earns 5% cash back on Amazon purchases when special financing is declined. Other than that all the terms and features are the same.

You can also choose deferred interest financing offers for eligible purchases of $149 and more:

Promotional Balance Term Length
$149–$598.99 6 months
$599–$798.99 12 months
$799+ 24 months

Take note that deferred financing offers are risky, because if you make a late payment or fail to pay off the full balance by the end of the term, you’ll immediately be charged interest on the starting balance for the entire length of the term. Learn more about deferred interest financing and how to use these offers safely.

And there are also Equal Pay financing offers, which allow you to pay over time at no interest as long as you pay off the financed balance in 12 equal payments. These are better than deferred interest offers because there’s no retroactive interest. You can learn more about the Equal Pay financing offers here.

You have a chance to upgrade from this secured card to the unsecured Store Card (or Prime Store Card). According to Amazon, some of the criteria used to determine upgrades are:

  • You make 7 consecutive on-time payments on your Amazon Credit Builder account and pay all other bills on time.
  • Your credit file has no recent bankruptcy, foreclosure, repossession, or delinquent accounts.
  • Your credit scores meet Synchrony Bank’s internal credit criteria.
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